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5-Minute Market Update | July 5, 2017

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I am happy to present this week’s market commentary from FormulaFolio Investments. The goal is to give our clients and friends a simple way to see everything they need to know about the financial markets on a weekly basis, in 5 minutes or less. After all, investing should be simple, not complicated.   Market Update   Equities:  Broad equity markets finished the week flat-to-negative with large-cap US stocks experiencing the largest losses. S&P 500 sectors finished the week mostly negative as cyclical sectors generally outperformed defensive sectors. So far in 2017 technology, healthcare, and consumer discretionary are the strongest performers while energy and telecommunications are the only sectors with negative performance year-to-date.   Commodities:  Commodities were positive for the first time in six weeks as oil prices increased 7.04%. Rising production in the United States, Nigeria, and Libya, coupled with faltering demand in Asia, has offset OPEC’s attempt to support

Should You Pay Down Your Mortgage or Invest the Money?

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The most important rule of personal finance is to earn more than you spend. But after budgeting and working hard for decades, you may start accumulating more money each month than you actually need. It’s a good problem to have, but now you need to decide on the most appropriate way to allocate it. You don’t want to leave the extra funds sitting in a savings or checking account where you’re earning less than a percent of interest. Instead, you want to put your money to work. Usually, people end up doing one of two things: paying down their mortgage or investing. Because both options make financial sense, it can be a difficult decision for people to decide between them. Here are some pros and cons of each strategy: Which Option Will Provide The Most Growth? When deciding between these two options, you first want to know which option can provide the greatest payoff. In this case, it’s your mortgage rate versus your expected investment return. You can calculate some

How to Break Up with Your Accumulation Advisor

Welcome to D Bryant Retirement Strategies, LLC. We’re so glad that you’ve decided to work with us during this season of your life. Retirement can be one of the most enjoyable seasons or one of the most nerve-wracking, and your finances play a big role in that. We are here to help you manage your finances in retirement so that you can relax and savor every moment, instead of worrying about running out of money or long-term care. We go beyond just investments to help you plan every aspect of a successful retirement. Before coming to us, you may have been working with another financial advisor. There are a lot of great advisors out there that can help you build wealth and accumulate savings. They did a good job getting you to this point, and you compensated them well for it. But this new season of life requires a different kind of financial management. No longer are you working, saving and investing. It is an entirely different landscape that you face now. Your